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What is card cloning?
Card cloning, also known as credit card skimming, is a fraudulent practice that involves someone copying the information from the magnetic stripe of a credit or debit card. Fraudsters can then use this data to create a duplicate card to make unauthorized transactions.
How does credit card cloning work?
Card cloning often involves the fraudster using a small device known as a skimmer. Criminals can install credit card skimmers on ATMs, point-of-sale terminals, or other card readers. When a card is swiped through the skimmer, it captures and stores all the information (e.g., card number and CVV code) from the card’s magnetic stripe.
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Preventing card cloning fraud involves several measures you, as a cardholder, can take to protect your financial information. Here are some key steps to help prevent card cloning:
Use EMV chip technology. Cards with EMV chips (those small metallic squares on newer cards) are much harder to clone than magnetic stripe cards. Always use the chip instead of swiping when possible.
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Set up alerts. Most banks offer text or email alerts for transactions. Enable these so you’re notified of account activity.
Only make online purchases from secure websites. Look for “https” and the padlock symbol in the URL of the store you’re shopping at to identify such online shops.
Use strong, unique passwords for online banking. Avoid using the same password across multiple sites, and consider using a safe password manager like NordPass.
Report lost or stolen cards immediately. If your card gets lost or stolen, report it to your bank immediately to prevent fraud.
Shred personal documents. Shred documents that contain your card or personal information before disposing of them. Doing so keeps anyone going through your trash from being able to access that information.
Be skeptical of unsolicited calls or emails. Phishing attempts can trick you into giving away your card information. Only provide your card details over the phone or via email if you know the recipient’s identity.
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Track1: B4867967032437166^AVALLONE/SONJA^13011010000000472000000
Track2: 4867967032437166=13011010000047200000 |
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B5111961527836645^KRISTI MCQUIRT^1312101263000000000000000000000?;511196152 7836645=13121012630000000000
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